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AI Automation Society
353.2k members ā¢ Free
Sarmaaya Skool
1.1k members ā¢ Free
7 contributions to Sarmaaya Skool
14h ā¢Ā
Sip Plan
Ager is Sip Plan ko Follow karo Target Achieve karny KY liay then Al Ameen Shariah stock fund me Sip Start kar skata hu ?? Ya Blue chip stocks buy karo Average Return 15 percent Hoon
0 likes ā¢ 33m
Smart investors diversify: Ideal Allocation ( Biggener Level) 50% ā Stock Mutual Fund (stability) 30% ā Meezan Pakistan ETF (MZNPETF) (low-cost growth) 20% ā Blue chip stocks (learning + upside) Important: 15% return is an outcome, not a target Your skill decides: - SIP investor ā 10-14% - ETF investor ā 12-15% - Skilled stock picker ā 15-25% - Beginner stock picker ā volatile returns Best strategy: SIP + ETF + selective stocks Minimize Fees: Shift to ETFs from Mutual Funds as you gain experience Build emergency fund (6X monthly expenses) in low-risk mutual funds before investing in stocks
13h ā¢Ā
Guidance Needed
Assalamualaikum! I am a student and I want to become financially stable so I can support my family. My family is not financially strong, so I am trying to explore halal ways of earning and investing online. I have been researching some options, but I am still confused. I need proper guidance from experienced people. š Is Spot Trading (like Binance spot trading) halal or haram? š Is Stock Market investment halal in Islam? š What about Mutual Funds ā are they Shariah compliant and safe? š If there is any fully halal option, please explain in simple words. Right now, I also do not have an ID card yet, so I am limited in some options. But I really want to learn and move in the right direction. Please share your honest advice and experience so I can avoid mistakes and choose the correct path. JazakAllah Khair š
0 likes ā¢ 12h
I think youāre young First Learn Skill (Cash Flow Engine) ā¢ Focus: Master technical or creative skills (Freelancing, designing video editing, virtual assistant , AI-driven workflows, Coding). ā¢ Platforms: Upwork and Fiverr. ā¢ Logic: This is zero-risk and 100% Halal. It builds the capital base required for future investments without risking family survival funds. Skills produce the capital. Discipline saves it. Shariah-compliant assets grow it. Stick to that order. You can apply for an ID card at any age, I believe recent government updates encourage and allow children to open investment accounts under their parentsā guardians.
14h ā¢Ā
Assets fuel your freedom, Liabilities fuel your stress š. Build the right balance
Assets vs liabilities - simple breakdown: Asset: Something you own that MAKES you money (puts cash in your pocket) Liability: Something you owe that COSTS you money (takes cash out) Why it matters: Build enough assets to cover your liabilities (bills), and youāre financially free - work because you want to, not because you have to. Now a Question : Is your own house an asset or a liability?
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1d ā¢Ā
Advice/ guidance
Just a retired professional. Want to learn to build my investment portfolio which is easy to manage for growth and protection from inflation. How can I have easy discussions with some financial professional in Islamabad? Havenāt yet found clarity or trustworthy answers!!!
0 likes ā¢ 16h
Totally get your concern, especially with retirement savings on the line - one wrong move can be costly. I'd strongly suggest getting professional guidance tailored to your situation. Before meeting an advisor, Write down your goals, risk tolerance, and current investments.
23h ā¢Ā
Liability's vs assets?
Common answer we get is Assets = what you own (and that can help you financially) Liabilities = what you owe (and that takes money from you) Could you explain with example ?
1-7 of 7
Active 21m ago
Joined May 1, 2026
Dubai
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